Pennsylvania Insurance Exam Cheat Sheet
Unlock the official Pennsylvania exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Pennsylvania practice questions to test your knowledge.
What's Covered on the Pennsylvania Life & Health Exam
Two exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 31 Days | Free-look: 10 Days (30 Days (LTC/Medicare))
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
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Frequently Asked Questions
Q:How do I pass the Pennsylvania insurance exam?
To pass the Pennsylvania insurance exam, you should complete a pre-licensing course (at least 24 hours for Life, Accident & Health), study the PA Insurance Code, and practice with high-quality exam questions. Aim for consistency above 80% on practice tests before scheduling your PSI Services appointment.
Q:What is the passing score for the Pennsylvania insurance exam?
The passing score for most Pennsylvania insurance exams is 70%. You will need to answer approximately 105 out of 150 questions correctly for the combined Life & Health exam.
Q:How much does the Pennsylvania insurance exam cost?
The exam fee is approximately $43-$55 per attempt, paid to PSI Services, the authorized testing provider for Pennsylvania Insurance Department exams. You must also pay for pre-licensing education separately.
Q:Where can I take the Pennsylvania insurance exam?
You can take the PA insurance exam at a PSI testing center in Pennsylvania or via online proctoring from your home or office. Visit the PSI Services website to find a test center near you.
Q:What happens if I fail the Pennsylvania insurance exam?
If you fail, you can retake the exam after a waiting period. You must pay the exam fee again for each attempt. Use your score report to identify weak areas and focus your additional study there.
Q:Are there pre-licensing education requirements in Pennsylvania?
Yes. Pennsylvania requires at least 24 hours of approved pre-licensing education for a Life, Accident & Health license. Courses must be taken through a Pennsylvania Insurance Department-approved provider.